NPS guidelines for Government sector employees, private sector employees, individuals: NPS guidelines for Government sector employees, private sector employees, and individuals: NPS subscribers who voluntarily enrol in the pension scheme, can choose their preferred CRA. However, subscribers who enrol in NPS through their employers will not have this option, unless the organisations offer it. PFRDA has issued a master circular consolidating all the instructions regarding the choice of selection of Central Recordkeeping Agency (CRA) for the NPS. Know here.